Legal claims defining the scope of protection. Each claim is shown in both the original legal language and a plain English translation.
1. A network-based system for synchronizing distributed databases, thereby reducing declines of card-not-present recurring payment (CNP/RP) transactions including a recurring transaction initiated by a cardholder using payment card information stored by a first merchant computer associated with a first merchant, the merchant computer coupled to a merchant database for storing the payment card information for a payment card that is registered to be used in the CNP/RP transaction, the payment card information including an existing expiration date, said system comprising: a payment network computing device comprising a first database for storing payment card information and a second database for storing transaction information including payment card information, the payment card information derived from an issuing bank database, the payment network computing device configured to: select, from the first database, a candidate payment card having stale payment card data including an existing expiration date by i) executing a query command on the first database using an expiration date value corresponding to a predetermined period of time of a selected calendar date, and ii) retrieving an account identifier for the candidate payment card; perform a lookup in the second database using the account identifier; retrieve at least one transaction record from the second database corresponding to a recent transaction performed using the candidate payment card at a second merchant computer associated with a second merchant; determine that the at least one retrieved transaction record includes updated expiration date data by i) comparing an expiration date associated with the at least one transaction record with the existing expiration date of the candidate payment card, and ii) identifying that a data update event has occurred for the candidate payment card; generate an updated expiration date notification; transmit the updated expiration date notification to the merchant computer indicating that the existing expiration date has been replaced with the updated expiration date; and cause, by the transmission, the merchant database to i) be updated with the updated expiration date, and ii) synchronize payment card information with the issuing bank database, thereby preventing a decline of at least one future transaction due to stale data.
A system automatically updates stored credit card expiration dates for recurring payments to prevent transaction declines. It uses a payment network computer with databases containing card information from issuing banks and transaction details. The system identifies cards with potentially outdated expiration dates by querying its card information database. It then searches the transaction database for recent transactions involving those cards, performed at other merchants. If a recent transaction reveals an updated expiration date, the system notifies the original merchant's computer. This notification prompts the merchant's database to update the card's expiration date, synchronizing it with the issuing bank's data and preventing future payment failures.
2. A system in accordance with claim 1 wherein the candidate payment card has an existing expiration date after a stale date, wherein the stale date is a predetermined number of days before the existing expiration date.
The system described for updating credit card expiration dates identifies cards as potentially outdated if their expiration date falls after a specific "stale date." This stale date is calculated by subtracting a predefined number of days from the card's existing expiration date, allowing the system to proactively update information before the card actually expires and becomes unusable for recurring payments.
3. A system in accordance with claim 1 wherein the payment network computing device is further configured to transmit the updated expiration date to the first merchant computer.
In the system for updating credit card expiration dates, the payment network computer not only notifies the merchant of the expiration date change but also directly transmits the updated expiration date to the merchant's computer. This ensures the merchant receives the correct and current expiration date for updating their records.
4. A system in accordance with claim 3 wherein the payment network computing device is further configured to transmit the payment card data to the first merchant computer.
In the system for updating credit card expiration dates, the payment network computer transmits the updated credit card expiration date and other payment card data to the first merchant computer.
5. A system in accordance with claim 3 wherein the first merchant computer is further configured to update the payment card information in the merchant database to match the updated expiration date.
In the system for updating credit card expiration dates, after receiving the updated expiration date from the payment network, the merchant's computer updates the stored credit card information in its database to match the new expiration date. This action ensures the merchant's system uses the most current information for recurring transactions.
6. A system in accordance with claim 3 wherein the first merchant computer is further configured to update the existing expiration date in the merchant database with the updated expiration date.
In the system for updating credit card expiration dates, the merchant's computer specifically replaces the existing expiration date in its database with the updated expiration date received from the payment network. This targeted update ensures the only outdated information is corrected, minimizing potential data corruption.
7. A system in accordance with claim 1 wherein the candidate payment card is associated with a CNP/RP transaction.
The system designed for updating credit card expiration dates specifically targets card-not-present recurring payment transactions, addressing the common issue of outdated card information causing payment failures in these automated payment scenarios.
8. A system in accordance with claim 1 wherein the payment network computing device is further configured to notify an acquirer bank computing device associated with the merchant that the existing expiration date has been replaced with the updated expiration date, and that the updated expiration date should be used for future transactions.
In the system for updating credit card expiration dates, the payment network computer also notifies the merchant's acquiring bank (the bank processing the merchant's transactions) about the updated expiration date. This notification ensures the acquiring bank is aware of the change and will authorize future transactions using the updated expiration date, preventing potential declines due to outdated information.
9. A payment network computing device for synchronizing distributed databases and for improving an efficiency of a computer system that includes the payment network computing device, thereby reducing declines of card-not-present recurring payment (CNP/RP) transactions including a recurring transaction initiated by a cardholder using payment card information stored by a first merchant, the payment network computing device communicatively coupled to a first database for storing payment card information and a second database for storing transaction information including payment card information derived from an issuing bank database, the payment network computing device in communication with a computer coupled to a first merchant database and associated with a first merchant, wherein the first merchant database stores the payment card information including an existing expiration date, the payment network computing device configured to: select, from the first database, a candidate payment card having stale payment card data including an existing expiration date by i) executing a query command on the first database using an expiration date value corresponding to a predetermined period of time of a selected calendar date, and ii) retrieving an account identifier for the candidate payment card; perform a lookup in the second database using the account identifier; retrieve at least one transaction record from the second database corresponding to a recent transaction performed using the payment card account at a second merchant computer associated with a second merchant; determine that the at least one retrieved transaction record includes updated expiration date data by i) comparing an expiration date associated with the at least one transaction record with the existing expiration date of the candidate payment card, and ii) identifying that a data update event has occurred for the candidate payment card; generate an updated expiration date notification; transmit the updated expiration date notification to the merchant computer indicating that the existing expiration date has been replaced with the updated expiration date; and cause, by the transmission, the merchant database to i) be updated with the updated expiration date, and ii) synchronize payment card information with the issuing bank database, thereby preventing a decline of at least one future transaction due to stale data.
A payment network computer updates credit card expiration dates for recurring payments to improve system efficiency and reduce transaction declines. The computer is connected to databases storing card information (from issuing banks) and transaction details. It communicates with merchants who store card details. The computer identifies cards with potentially outdated expiration dates by querying its card information database. It then searches the transaction database for recent transactions involving those cards, performed at other merchants. If a recent transaction reveals an updated expiration date, the computer notifies the merchant's computer. This notification prompts the merchant's database to update the card's expiration date, synchronizing it with the issuing bank's data and preventing future payment failures.
10. A payment network computing device in accordance with claim 9 wherein the candidate payment card has an existing expiration date after a stale date, wherein the stale date is a predetermined number of days before the existing expiration date.
The payment network computer described for updating credit card expiration dates identifies cards as potentially outdated if their expiration date falls after a specific "stale date." This stale date is calculated by subtracting a predefined number of days from the card's existing expiration date, allowing the system to proactively update information before the card actually expires and becomes unusable for recurring payments.
11. A payment network computing device in accordance with claim 9 wherein the payment network computing device is further configured to transmit the updated expiration date to the merchant computer.
In the payment network computer for updating credit card expiration dates, the payment network computer not only notifies the merchant of the expiration date change but also directly transmits the updated expiration date to the merchant's computer. This ensures the merchant receives the correct and current expiration date for updating their records.
12. A payment network computing device in accordance with claim 11 wherein the payment network computing device is further configured to transmit the payment card data to the merchant computer, and wherein the computer associated with the merchant is further configured to update the existing expiration date in the merchant database with the updated expiration date.
In the payment network computer for updating credit card expiration dates, the payment network computer transmits the updated credit card expiration date and other payment card data to the merchant computer. Subsequently, the merchant's computer updates the existing expiration date in its database with the provided updated expiration date.
13. A payment network computing device in accordance with claim 9 wherein the candidate payment card is associated with a CNP/RP transaction.
The payment network computer designed for updating credit card expiration dates specifically targets card-not-present recurring payment transactions, addressing the common issue of outdated card information causing payment failures in these automated payment scenarios.
14. A payment network computing device in accordance with claim 9 wherein the payment network computing device is further configured to transmit an acquirer associated with the merchant that the existing expiration date has been replaced with the updated expiration date, and that the updated expiration date should be used for future transactions.
In the payment network computer for updating credit card expiration dates, the payment network computer also notifies the merchant's acquiring bank (the bank processing the merchant's transactions) about the updated expiration date. This notification ensures the acquiring bank is aware of the change and will authorize future transactions using the updated expiration date, preventing potential declines due to outdated information.
15. One or more non-transitory computer-readable storage media having computer-executable instructions embodied thereon for synchronizing distributed databases and for improving an efficiency of a computer system that includes at least one processor, thereby reducing declines of card-not-present recurring payment (CNP/RP) transactions including a recurring transaction initiated by a cardholder using payment card information stored by a first merchant, the computer-executable instructions configured to be executed by at least one processor communicatively coupled to a first database for storing payment card information and a second database for storing transaction information including payment card information, the payment card information derived from an issuing hank database, the at least one processor in communication with a merchant computer coupled to a first merchant database and associated with a first merchant, wherein the first merchant database stores the payment card information including an existing expiration date, and wherein when executed by the at least one processor, the computer-executable instructions cause the processor to: select, from the first database, a candidate payment card having stale payment card data including an existing expiration date by i) executing a query command on the first database using an expiration date value corresponding to a predetermined period of time of a selected calendar date, and ii) retrieving an account identifier for the candidate payment card; perform a lookup in the second database using the account identifier; retrieve at least one transaction record from the second database corresponding to a recent transaction performed using the payment card account at a second merchant computer associated with a second merchant; determine that the at least one retrieved transaction record includes updated expiration date data by i) comparing an expiration date associated with the at least one transaction record with the existing expiration date of the candidate payment card, and ii) identifying that a data update event has occurred for the candidate payment card; generate an updated expiration date notification; transmit the updated expiration date notification to the merchant computer indicating that the existing expiration date has been replaced with the updated expiration date; and cause, by the transmission, the merchant database to i) be updated with the updated expiration date, and ii) synchronize payment card information with the issuing bank database, thereby preventing a decline of at least one future transaction due to stale data.
Non-transitory computer-readable storage media containing instructions that, when executed, cause a processor to update credit card expiration dates for recurring payments to reduce transaction declines. The processor accesses databases storing card information (from issuing banks) and transaction details. It communicates with merchants who store card details. The instructions cause the processor to identify cards with potentially outdated expiration dates by querying its card information database. It then searches the transaction database for recent transactions involving those cards, performed at other merchants. If a recent transaction reveals an updated expiration date, the processor notifies the merchant's computer. This notification prompts the merchant's database to update the card's expiration date, synchronizing it with the issuing bank's data and preventing future payment failures.
16. The computer-readable storage media of claim 15 , wherein the candidate payment card has an existing expiration date after a stale date, wherein the stale date is a predetermined number of days before the existing expiration date.
The computer-readable storage media described for updating credit card expiration dates identifies cards as potentially outdated if their expiration date falls after a specific "stale date." This stale date is calculated by subtracting a predefined number of days from the card's existing expiration date, allowing the system to proactively update information before the card actually expires and becomes unusable for recurring payments.
17. The computer-readable storage media of claim 15 , wherein the computer-executable instructions further cause the processor to transmit the updated expiration date to the merchant computer.
In the computer-readable storage media for updating credit card expiration dates, the instructions further cause the processor to not only notify the merchant of the expiration date change but also directly transmit the updated expiration date to the merchant's computer. This ensures the merchant receives the correct and current expiration date for updating their records.
18. The computer-readable storage media of claim 15 , wherein the computer-executable instructions further cause the processor to transmit the payment card data to the merchant computer, and wherein the merchant computer is further configured to update the existing expiration date in the merchant database with the updated expiration date.
In the computer-readable storage media for updating credit card expiration dates, the instructions further cause the processor to transmit the updated credit card expiration date and other payment card data to the merchant computer. The merchant computer is then configured to update the existing expiration date in its database with the provided updated expiration date.
19. The computer-readable storage media of claim 15 , wherein the candidate payment card is associated with a CNP/RP transaction.
The computer-readable storage media designed for updating credit card expiration dates specifically targets card-not-present recurring payment transactions, addressing the common issue of outdated card information causing payment failures in these automated payment scenarios.
20. The computer-readable storage media of claim 19 , wherein the computer-executable instructions further cause the processor to notify an acquirer associated with the merchant that the existing expiration date has been replaced with the updated expiration date, and that the updated expiration date should be used for future transactions.
The computer-readable storage media for updating credit card expiration dates further causes the processor to notify the merchant's acquiring bank (the bank processing the merchant's transactions) about the updated expiration date. This notification ensures the acquiring bank is aware of the change and will authorize future transactions using the updated expiration date, preventing potential declines due to outdated information.
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October 10, 2017
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